NMS Financial Limited - Simon N Carr

20/03/2026

I didn't realise how much private medical insurance could change my peace of mind until I needed it.
It means faster access to specialists, more treatment options, and control over your care.
Isn't it time you felt that security too?

Message with the Whats App button below!

16/03/2026

Think your mortgage deal is set for life? Think again.

Regularly reviewing your mortgage could save you hundreds each month and help manage your payments more effectively. Market rates change, lenders update offers, and your personal circumstances evolve—staying informed means you won't miss out on better deals.

Don't wait until it's too late. Get in touch with the Whatsapp button below for a free mortgage review and see how much you could save!

YOUR HOME MAY BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON YOUR MORTGAGE

09/03/2026

Most first-time buyers feel overwhelmed by mortgage options. It's normal—choosing the right mortgage can feel like decoding a complex puzzle.

Tailored mortgage advice breaks down your unique situation, making decisions clear and manageable. It's not just about numbers; it's about guiding you confidently through every step.
Ready to simplify your path to homeownership?

YOUR HOME MAY BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON YOUR MORTGAGE

Message below!

28/01/2025

🏡Essential First-Time Buyer Info & Tips🏡

📌 Who is a First-Time Buyer?
If you’re purchasing your first home and have never owned residential property anywhere, some lenders may consider you as a FTB if you have not owned a residential property in a few years .

💰 Deposit Basics
Larger deposits can unlock better mortgage deals and lower interest rates.

📊 Mortgage's
What is a Mortgage? A loan to buy property, secured against your home.
What is Loan to Value (LTV)? : This is simply the amount you borrow to buy your home (the mortgage loan) compared to the value of the property. Where Lower LTV (e.g., 60%) can offer lower interest rates.
Interest Rates?: Fixed rates give stable monthly payments, while variable rates can fluctuate.

📌TIPS:
💰 Budget Wisely: Calculate your affordability, considering mortgage payments and additional costs like surveys, legal fees, and Stamp Duty.

💳 Boost Your Credit: Regularly check your credit score, pay off debts, and avoid major spending before applying for a mortgage.

📈 Save for a Deposit: Aim for at least 5-10% of the property price; more can improve your options.

📋 Seek Guidance from Simon: As a mortgage adviser I can help you navigate options and find the deal best suited to your financial background.
Its only natural that buying your first home can feel overwhelming, here at NMS I can help you through the full process offering a FREE mortgage review.

Send a message using the Whatsapp button below or call on 07734 255751.

02/01/2025

💡Understanding Mortgage Affordability💡

Your mortgage affordability refers to the amount of money you can reasonably borrow and repay for a home loan, based on your financial situation. This is assessed by lenders using various criteria to ensure you can manage the mortgage payments without financial strain.

💡General Criteria:
- Income
- Credit you have in place
- Credit Score
- Debt to Income Ratio
- Loan amount & Deposit

Looking to buy your first property? Or looking to size up?
💡Here at NMS, I am here to help find your max affordability applicable to your financial situation, With a free mortgage review.

Find the Whatsapp button below or alternatively call on 07734 255751

19/12/2024

💡 Interest Rates Update💡

The Bank of England has held interest rates at 4.75% in December - following two falls in 2024. In August 2024, the Bank rate fell to 5% after many months at 5.25% - which was the highest level for 16 years.

Approximately one-third of UK households have mortgages 🏡& Those with variable or tracker rates will experience changes in repayments following base rate adjustments. However, over 80% of mortgage holders have fixed-rate deals, which are unaffected in the short term but may face higher rates upon renewal.

Read More at the Source: 'When will UK interest rates fall, making mortgages cheaper?' https://www.bbc.co.uk/news/business-57764601

18/12/2024

💡 Income Protection 💼 Protect Your Pay

Income protection insurance lets you plan ahead for the unexpected, so you can face the future with confidence.

✔️Income protection replaces a portion of your income if you’re unable to work due to illness or injury.

✔️It Gives you peace of mind that your bills, mortgage, and daily expenses are covered while you focus on getting back to full health.

✔️ Illnesses or accidents can happen to anyone, not just people in physically demanding roles. Income Protection insurance isn’t about your job—it’s about protecting your lifestyle, your home and your family.

Income protection is essentially a safety net that ensures your finances stay on track even when life throws you a curveball - Filling in the gap of income in the weeks to months you may be off.

Im here to help☺️, drop me a message on the WhatsApp button below or call on 07734 255751 ☎️

16/12/2024

Buying a home is one of the biggest investments you'll ever make—and protecting it is just as important. That’s where Mortgage Protection/Life Insurance comes in! 💼✅

I’m here to help you find a plan that:
✔️ Ensures your family can stay in their home if the unexpected happens
✔️ Covers your mortgage balance in case of critical illness, or death
✔️ Gives you peace of mind, knowing your loved ones are secure

The best part? I’ll guide you through all your options to find the right coverage that fits your budget and lifestyle. No stress, just solutions!

📞 Ready to learn more? Send me a message today with the button below or call 07734 255751 and I’ll help you take the first step toward protecting your home, family and your future.

Your home is more than a house- it’s where memories are made. Let’s make sure it’s always protected. 🏠❤️

05/12/2024

😄A Mortgage Brokers Guide to buying your home. The full mortgage process explained.

05/12/2024

Good Morning!

Is your remortgage due soon? Worried what rates are going to be?

I offer a free mortgage review to help explore your options and find rates applicable to your financial circumstances now.

Recently, The Bank of England highlighted that about 2.7 million people are projected to refinance at rates exceeding 3%, marking a substantial shift for many who have not yet adjusted to higher interest levels since 2021.

Find me on the Whatsapp button below or call Simon on 07734255751.

The Bank of England's latest financial stability report - released twice a year - shows 4.4 million homes are set to refinance at higher rates though others will benefit from cuts.

04/12/2024

👋 Hello Everyone!

My name is Simon,
🌟 I specialize in helping individuals and families secure their financial future with services like:

🏡 Mortgages – Whether you're buying your first home, remortgaging, or expanding your portfolio with BTL (Buy-to-Let) mortgages, I’m here to help!
💼 Life Insurance & Income Protection – Protecting what matters most to you and your loved ones.
👨‍👩‍👧‍👦 Family Income Benefit- Helping with financial security for your family’s future in unprecedented Circumstances.
🏠 Mortgage Protection – Giving you peace of mind knowing your home is secure.
🛡️ Buildings & Contents Insurance – Ensuring your property and belongings are covered.
🛡️Landlords Cover - Protecting Property Investments.

With over 20 years of experience, I’m passionate about finding tailored solutions that match your needs and goals. My focus is to make the process simple and stress-free so you can focus on what truly matters.

I’d love to connect with you and answer any questions you might have, so don’t hesitate to reach out to call or Whatsapp with the button below.